Pull up a chair to the happy hour you wish your friends were having. Mix two money experts with some hot takes and a splash of nostalgia, and you get Rachel Cruze and George Kamel talking unfiltered about what’s going on in the world, pop culture and how to afford a life you love.

Cozy Earth sheets, comforters and loungewear are seriously next-level soft—like sleeping on clouds. Except maybe even softer. And the best part? They’re temperature-regulating, which means no more waking up hot, sweaty, and tangled in the covers. Just cool, cozy comfort all night long.

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Take back control of your online privacy. Go to joindeleteme.com/smartmoney and use code SMART MONEY get 20% off today.

If your bank is all fees and no fun, it’s time for an upgrade. FAIRWINDS Credit Union makes it easier to stick to your money goals with products built for Ramsey fans—like the Smart Bundle, featuring no-fee checking, high-yield savings, and the exclusive Ramsey Be Weird debit card that says “Debt Is Normal. Be Weird.”

It’s practical, simple, and designed to keep you on track with the Baby Steps. So pour yourself something celebratory, because winning with money just got easier.

Visit fairwinds.org/ramsey to open your Smart Bundle today. Federally insured by the NCUA.